Opinion on policy selection
Currently, I have Oriental Family Floater - Silver policy. Father (55), Mother (50), Me (23), Sister (22) are included in 4L cover. We are insured by this policy for the past 10 years. Father has diabetes (hba1c-10) for the past 4 years. I was thinking of porting to max bupa reassure but I just got to know that applications are rejected if hbac>8.5.
What is suggested -
a) Continue father's policy with Oriental and port for 3 of us to max bupa and get some new diabetes special insurance for dad
b) upgrade oriental policy for dad and get port for 3 of us to max bupa
c) Get an individual policy for everyone
d) Something else?